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Jacinta Stubbs-Smith

Jacinta Stubbs-Smith

NMLS#414073

CRA Residential Lender,

Mortgage Lending

618-257-3239

jstubbs-smith@4thebank.com

Jacinta has been in the mortgage industry for over 22 years – serving 10 years on the operations side as a document center team lead, loan processor, loan validator, closer/funder and secondary market loan supervisor. Twelve years as a mortgage originator doing conventional, government and portfolio loans also expanded her knowledge base to include grant programs such as St. Clair County Intergovernmental grants, Madison County Grants, IHDA and MHDC.

My passion to help all people in all places from all backgrounds – especially those in areas that are often overlooked and underserved – brought me to my current career choice at TheBANK. Their willingness to go above and beyond to help as many people as they can for all the right reasons – that’s giving back. They help people to improve and overcome obstacles when no one else will even try. And that’s not just for its employees, but for the communities it serves as well.

I define personal success as what you make it. Sometimes a failure can become a success if you take it and handle it the right way. You decide how far you want to go and how you will get there.

Success for my clients is getting through their challenges one day at a time. No matter how big or small the improvement, it’s still a success. No one is perfect or has a perfect life. We’re all climbing mountains trying to grow and improve. Some of us are just climbing on a different side and at a different pace.

One interesting perspective I bring to my clients is what I think about criticism and being told that something isn’t possible. I don’t see criticism as positive or negative, because it’s just being told that you can do better. Everyone has room for improvement somewhere. Being told, “not possible” really means not today – but maybe another time – and there’s still hope.

My added value for my clients is that I give them the same service and respect that I would expect to receive if I was sitting on the other side of the desk. I treat all people the way I want to be treated. I find it very rewarding to help my clients accomplish what they never thought they could – homeownership.

Jacinta Stubbs-Smith

CRA Residential Lender,

Mortgage Lending

TheBANK of Edwardsville

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TheBANK of Edwardsville and the Wealth Management Division are not registered broker/dealers and are independent of Raymond James Financial Services, Inc. Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by TheBANK insurance, the FDIC or any other government agency, are not deposits or obligations of TheBANK, are not guaranteed by TheBANK, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.